Riki Padilla
Westminster,CO
Summary
Detail-oriented Loan Officer Assistant and pre-approval specialist with expertise in credit analysis and client communication. Successfully increased lead conversion through strategic follow-ups and effective CRM management. Strong organizational skills contribute to streamlined workflows, enhancing operational efficiency and client satisfaction.
Overview
14
14
years of professional experience
1
1
Certification
Work History
PRE-APPROVAL SPECIALIST
CMG HOME LOANS
06.2025 - Current
- Reviewed and pre-approved credit or loan requests as per established guidelines.
- Evaluated and verified borrower information for accuracy in loan applications.
- Executed processing of mortgage product and service applications, ensuring compliance with established guidelines.
- Addressed client inquiries and resolved issues related to loan status and documentation requirements.
- Assisted in preparing loan closing documents and disclosures for clients.
- Reviewed and verified sales contracts for accuracy prior to submission for processing and underwriting.
- Maintained organized files and records for active loan applications of the team.
Loan Officer Assistant
Fairway Independent Mortgage
09.2022 - Current
- Qualified loan files by reviewing applications and collecting necessary documentation.
- Prepared pre-approval and communicated qualifications to the Loan Officer before consultations.
- Performed income calculations and utilized automated underwriting systems for accurate assessments.
- Processed new contracts and disclosures, ensuring compliance with established checklists.
- Contacted new leads and entered data into CRM, improving lead tracking and management.
- Maintained follow-ups based on lead status, enhancing engagement and conversion rates.
- Managed lead nurturing through drip campaigns and borrower communication.
- Coordinated updates and appreciation efforts for referral partners, fostering stronger professional relationships.
New Client Coordinator
Legacy Mutual Mortgage
07.2020 - 09.2022
- Evaluated new loan applications and supporting documents to assess applicant creditworthiness.
- Tracked daily leads in CRM and lead tracker, ensuring timely follow-ups for effective communication.
- Updated parties and realtors on lead progression status to facilitate informed decision-making.
- Assisted clients with credit repair, identifying pathways to homeownership and enhancing client success.
- Supported overflow tasks, including contract setup and file preparation for processing.
Consumer Loan Officer
Denver Community Credit Union
11.2017 - 08.2019
- Processed complex consumer loans, including HELOCs, ensuring compliance with lending policies and accurate assessment of applicant creditworthiness.
- Evaluated loan applications and made credit decisions per lending policies and regulations.
- Analyzed credit reports and financial data to determine loan eligibility.
- Developed training materials and procedures to improve team efficiency and enhance loan processing accuracy.
- Trained and mentored junior staff on administrative processes and best practices to foster a knowledgeable team environment.
Lending Member Service Representative II
Sooper Credit Union
10.2012 - 07.2017
- Advised customers on loan products and credit options, enhancing their understanding of available financial solutions.
- Processed loans, collaborating with credit officers to ensure timely approvals.
- Opened new accounts, facilitating customer access to checking, savings, and lines of credit.
- Oversaw branch operations, managing scheduling and daily database maintenance tasks.
- Trained staff in problem-solving techniques to boost team performance.
Education
Community College of Denver
Denver, COHigh School Diploma -
Wheat Ridge High School
Wheat Ridge, CO05.2011
Skills
- Credit analysis and loan origination
- Loan processing
- Client communication and CRM management
- Problem solving and documentation review
- Time management
- Team collaboration
- Customer service
- Automated underwriting
Certification
- NMLS; MLO licensing
Timeline
PRE-APPROVAL SPECIALIST
CMG HOME LOANS
06.2025 - Current
Loan Officer Assistant
Fairway Independent Mortgage
09.2022 - Current
New Client Coordinator
Legacy Mutual Mortgage
07.2020 - 09.2022
Consumer Loan Officer
Denver Community Credit Union
11.2017 - 08.2019
Lending Member Service Representative II
Sooper Credit Union
10.2012 - 07.2017
High School Diploma -
Wheat Ridge High School
Community College of Denver